"One of the things I think is getting lost ... is this is a program that pays for itself through the use of and the gaining of refunds," said Shauna Weatherly.

Many credit cards come with perks beyond earning cash back or rewards points. Some include purchase protection, which helps cover the cost of repairing or replacing belongings bought with the card.

The improvement of shilling liquidity in the market has maintained the overall interest rates that banks use to lend each ...